Moped Insurance Costs 49Cc. Most states use 50 cc as the demarcation line. if your moped's engine is 50 cc or larger, your moped will likely be classified as a motorcycle and require motorcycle insurance. But if the engine is below 50 cc, you'll only need to follow your state's moped insurance requirements if, of course, such laws exist.
Because insurance providers think of speedier bikes as riskier to insure, 50cc moped insurance is likely to be cheaper than 125cc scooter insurance. Generally a moped has great gas mileage and cannot go faster than 35 mph. Scooter engine sizes vary from 50cc to 150cc, so at the top end they can go much faster.